Many business credit cards offer helpful benefits for startups.
Running a startup is never easy. You’re juggling multiple priorities at any given moment — including, of course, your company’s finances.
A business credit card can be your best friend for covering last minutes expenses. There are lots of choices catering to startups, so compare the annual fees, benefits and rewards to find the best card for your startup.
Our pick for startups
SimplyCash® Plus Business Credit Card from American ExpressRead more
Compare business cards for startups
Best business credit cards for startups
There are many business cards on the market, but it’s likely only a few offer benefits that meet your specific needs. Here are a few of our top picks.
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- Ink Business Preferred℠ Credit Card: Best for travel.
- The Blue Business℠ Plus Credit Card from American Express: Best for intro APR.
- Spark® Classic for Business: Best for average credit.
- American Express® Business Gold Card: Best for limiting debt.
- Spark® Cash from Capital One®: Best for flat cash back.
Best for travel: Ink Business Preferred℠ Credit Card
Best for intro APR: The Blue Business℠ Plus Credit Card from American Express
Best for average credit: Spark® Classic for Business
Best for limiting debt: American Express® Business Gold Card
Best for flat cash back: Spark® Cash from Capital One®
How we selected our top cards
We measured a few different factors when comparing available credit cards for startup businesses, including credit score requirements, introductory APRs, reward programs, points or cash back earned per dollar, reward earning categories signup bonuses and other added perks particularly beneficial to startups. The cards we highlighted demonstrated exemplary performance in one or more of these categories.
What’s changed in 2019
Our list stood unchanged this year, with each card maintaining strong performance and remaining one of the top picks in their respective categories. While the The Blue Business℠ Plus Credit Card from American Express no longer has the longest intro APR available, it still remains a terrific choice and maintained its position on our list.
How to compare business credit cards for startups
- Annual fee. When cash is tight, you might not want the expense of an annual fee. There are solid no-annual-fee business cards, though you’ll earn more powerful rewards with cards you have to pay for.
- Signup bonus. If you anticipate heavy purchases in the next few months, you could breeze past the spending requirement for a card’s signup bonus. Business credit cards often have more impressive bonuses than personal cards.
- Intro APR. This could be the answer if you’ll rack up debt soon but need several months to pay it off. Intro APRs for business cards tend to top off at around 15 months.
- Rewards. A card with strong rewards can pay for itself. If your card has tiered rewards, check that your startup has significant expenses in the right categories. If your expenses are spread evenly throughout many categories, you might get more out of a flat-rewards card.
Your startup faces unique challenges, which some cards can address more effectively than others. Compare options that give your rewards, balance transfers and an annual fee you can afford.
If you’d like to compare more products, visit our guide on business credit cards.